A Research On Legal Supervision System Of Internet Finance

The rapid development of computer and network information technology not only affects every aspect of human life, let us also ushered in the age of the Internet. Today, the Internet profoundly altered and even subvert the many industries and sectors, and to have an enormous impact at the same time, also accelerated the transformation and innovation of traditional industries, the financial industry is no exception. In recent years, the application of Internet technology in the financial industry more and more, even in the Internet platform was derived from the many new forms of finance, this new financial model is the rapid rise of the Internet finance. Can said, Internet financial of produced is one has landmark meaning of financial change, its flexible, and shortcut, and efficient of features and derivative out of diversification of financial products, not only effective integration has various scattered resources, in space and time shàng great to meet has personal and small micro enterprise of needs, extended has financial service of breadth and depth, and fill has traditional finance of insufficient and blank, promoting has traditional financial industry of innovation and transformation.With the rapid development of Internet financial, its own characteristics caused by the new financial risks has become more obvious, it needs to build up a sound monitoring mechanism to "escort". But because of the Internet finance in China started relatively late, various modes of development processes, the country has yet to build an effective monitoring mechanism, causing lower financial barriers to entry and exit mechanism, regulatory responsibilities is not clear. The other hand, the country lacks a sound social credit system and information disclosure mechanism, lack of sound legal constraints, hinder the healthy development of Internet finance in China. Must therefore establish Internet financial supervisory mechanism as soon as possible, and improve risk prevention and control efforts, strengthening the coordination of government regulation, promoting financial healthy and rapid development of the Internet. This article on Internet financial system to this new form of financial analysis and research, in its implication and characteristics, types and development on the basis of an in-depth analysis, from the perspective of legal supervision, technical innovation, and how to strengthen the financial safety and security of the Internet and its regulatory mechanisms to ensure financial regulatory mechanisms to undertake a study of the development of the Internet and put forward their views and suggestions.This paper consists of four parts:The first part, introduction. This part of the background and significance of writing, research methods, research ideas and structure, basic overview of the situation and introduced the financial research and innovation on the Internet.The second part, Internet financial overview. This part described has Internet financial of produced causes and based, in-depth analysis has Internet financial of meaning and features, will Internet financial of various typical business mode according to itself features divided for traditional financial network, and Internet paid, and network financing three species type, and in type of analysis of based on, deep reveals out Internet financial of nature, that Internet financial is to Internet for resources platform, to cloud computing and big data for based of new financial mode.The third part, the Internet status quo and existing problems of financial supervision in China. This section points out that their respective regulatory status by type, and various practical problems existing in the development of Internet banking, including laws and regulations, unclear sound, regulatory bodies and the scope, access and exit mechanism has not been established, inadequate social credit system and other issues.The fourth part, perfection of the financial regulation, the Internet in China. Firstly, both theories of risk and proves the necessity of the financial regulation of the Internet in China, then in the overseas Internet financial security and regulatory policies based on research and practical experience, on financial regulation, put forward suggestions and ideas the Internet in China, mainly from the legislative perfection of social credit system construction and supervision mechanisms and other aspects.